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San Carlos attracts international buyers for its top-tier schools and proximity to Silicon Valley employers. Foreign nationals buying here typically work in tech or hold investment properties.
As of February 2026, lenders now accept cryptocurrency holdings for qualification alongside traditional foreign assets. This matters in San Carlos where tech-adjacent buyers often hold digital wealth.
Foreign National Loans in San Carlos
You need a valid passport and proof of foreign income or assets. Most programs require 30-40% down. Credit history from your home country typically works if scored through international bureaus.
Lenders verify income through foreign tax returns, employment letters, or asset depletion calculations. Bank statements from international accounts work. Some programs accept cryptocurrency holdings verified through third-party platforms.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in San Carlos.
San Carlos attracts international buyers for its top-tier schools and proximity to Silicon Valley employers. Foreign nationals buying here typically work in tech or hold investment properties.
As of February 2026, lenders now accept cryptocurrency holdings for qualification alongside traditional foreign assets. This matters in San Carlos where tech-adjacent buyers often hold digital wealth.
You need a valid passport and proof of foreign income or assets. Most programs require 30-40% down. Credit history from your home country typically works if scored through international bureaus.
About 15-20 lenders in our network handle foreign national loans. Most avoid properties under $700,000. San Carlos pricing fits their comfort zone.
Rates run 1.5-2.5% above conventional loans. Pricing varies based on down payment size, property type, and whether you use US-based accounts. International wire transfer capabilities matter for closing.
Get currency exchange sorted early. Wiring large sums from abroad takes longer than domestic transfers. Budget extra time before closing.
I match borrowers with lenders based on country of origin. Some lenders prefer Canadian or European borrowers. Others specialize in Asian markets. This affects both approval odds and pricing.
ITIN loans work if you have US tax filing history. Foreign national programs skip that requirement but cost more. Asset depletion loans work for buyers with substantial liquid assets but no regular income documentation.
DSCR loans make sense if you're buying rental property and want qualification based on rent income alone. Bank statement loans require US accounts with 12-24 months of history.
San Carlos single-family homes run $1.8M-$3M+. Condos start around $900K. Foreign national programs work better at higher price points due to minimum loan amounts many lenders require.
Proximity to Facebook, Google, and other tech headquarters drives international buyer interest. Rental yields stay strong even when owners live abroad. Property management companies here handle foreign ownership routinely.
Yes, with remote notarization and power of attorney. Your broker coordinates signing through international courier services or US consulates.
Not for qualification, but you'll need one for closing and ongoing mortgage payments. Most foreign national borrowers open accounts during escrow.
You carry exchange rate risk on payments. Some borrowers use forward contracts to lock rates. Discuss hedging strategies with your financial advisor.
Some lenders now accept verified crypto holdings through specialized platforms. The asset must be liquid and verifiable through third-party services.
Plan 45-60 days. International document verification and translation add time. Start the process before house hunting in San Carlos.